Many experts say that the problem with health insurance is how it’s used. Instead of being utilized only in catastrophic situations, like auto and homeowners insurance, many health insurance policies cover routine appointments and basic prescriptions. That conceals the true cost of care and leads to higher rates.
The Affordable Care Act doubled-down on this, forcing insurance companies to offer policies that cover a wide range of services such as birth control — to all women, even those who are postmenopausal.
